SR22 insurance is a special type of insurance coverage which may be required for drivers who are involved in circumstances which may lead to this requirement. It may also be something which most drivers are unaware of and would rather not have to deal with if required. But whether you need it or not, you should probably be aware of some important factors related to this type of coverage.
SR22 insurance is normally required for drivers who may be designated as high risk and who may pose a higher than average threat to other citizens. There are a number of important factors which may cause this such as:
- Being charged with a DUI or DWI infraction. History has shown that these types of drivers tend to have a greater chance of becoming involved in an accident which can cause injury to others.
- Operating a vehicle without a minimum amount of car insurance. Most states do require at least a minimum amount of liability insurance to be kept on a vehicle. Therefore a lack of insurance poses extra risk to other innocent citizens.
- Being involved in multiple accidents or moving violations over a fairly short period of time. This is also indicative of a higher than average risk driver.
- Leaving the scene of an at fault accident is a serious infraction and can often lead to the requirement of this type of coverage.
- Operating a vehicle with a suspended or revoked license.
There are other factors but these are the most common ones which normally lead to the requirement of SR22 insurance coverage. SR22 insurance is issued by many traditional car insurance companies.
Therefore many car insurance agents can provide this coverage through the companies they represent. Or you can contact the insurance company directly. There are even some websites where you can shop for rates, compare coverage and obtain a policy right online very quickly and effectively.
If you are required to have SR22 insurance it must normally be in force for a period of three years. During this period the insurance coverage must not lapse and the driver should have no further problems such as those mentioned above. If the coverage remains in force with no additional problems the driver can then normally switch to a traditional policy at the conclusion of the three year period. This can result in cost savings and more choices in coverage.